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If you think your reputation doesn't matter, you many want to revisit that opinion. Recently Wired magazine wrote an article called "Welcome to the new reputation economy" where they stated that your online history is going to be more powerful than your credit history.

Before setting off to a restaurant, about 45% of consumers have already chosen where to eat with the help of an online dining guide. (Source: Mashable) Consequently, online reviews are a huge decider of where people are going for dinner.